<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title>Card Calculator</title><description>Map your real monthly spending to the cards you hold or are considering, and see what each card actually returns, category by category.</description><link>https://cardcalculator.net/</link><language>en</language><item><title>Build a Card Spending Plan in 30 Minutes</title><link>https://cardcalculator.net/build-a-card-spending-plan-in-30-minutes/</link><guid isPermaLink="true">https://cardcalculator.net/build-a-card-spending-plan-in-30-minutes/</guid><description>List your monthly spending by category, list your cards&apos; earn rates, and assign each category to a card. A worked example and template included.</description><pubDate>Wed, 04 Nov 2026 00:00:00 GMT</pubDate><category>spending-plans</category></item><item><title>Dining and Takeout: Match Restaurant Spend to the Right Card</title><link>https://cardcalculator.net/dining-and-takeout-match-restaurant-spend-to-the-right-card/</link><guid isPermaLink="true">https://cardcalculator.net/dining-and-takeout-match-restaurant-spend-to-the-right-card/</guid><description>What counts as dining for card rewards, from delivery apps to cafes inside other stores, and how much the dining category is worth on your real spend.</description><pubDate>Wed, 04 Nov 2026 00:00:00 GMT</pubDate><category>category-guides</category></item><item><title>Flat-Rate or Category Cards for Everything Else Spend</title><link>https://cardcalculator.net/flat-rate-or-category-cards-for-everything-else-spend/</link><guid isPermaLink="true">https://cardcalculator.net/flat-rate-or-category-cards-for-everything-else-spend/</guid><description>Find the break-even between one simple flat-rate card and juggling bonus categories, using your own spending rather than a rule of thumb.</description><pubDate>Wed, 04 Nov 2026 00:00:00 GMT</pubDate><category>spending-plans</category></item><item><title>Gas and EV Charging: Category Rules That Catch People Out</title><link>https://cardcalculator.net/gas-and-ev-charging-category-rules-that-catch-people-out/</link><guid isPermaLink="true">https://cardcalculator.net/gas-and-ev-charging-category-rules-that-catch-people-out/</guid><description>Pay-at-the-pump versus inside the store, warehouse-club gas and EV charging networks: why fuel purchases don&apos;t always earn the gas bonus.</description><pubDate>Wed, 04 Nov 2026 00:00:00 GMT</pubDate><category>category-guides</category></item><item><title>Merchant Category Codes: Why a Purchase Didn&apos;t Earn the Bonus</title><link>https://cardcalculator.net/merchant-category-codes-why-a-purchase-didnt-earn-the-bonus/</link><guid isPermaLink="true">https://cardcalculator.net/merchant-category-codes-why-a-purchase-didnt-earn-the-bonus/</guid><description>Every purchase carries a merchant category code that decides which bonus it earns. How codes work, why purchases miss the bonus, and how to check first.</description><pubDate>Wed, 04 Nov 2026 00:00:00 GMT</pubDate><category>card-rules</category></item><item><title>One, Two or Three Cards: How Many Your Spending Needs</title><link>https://cardcalculator.net/one-two-or-three-cards-how-many-your-spending-needs/</link><guid isPermaLink="true">https://cardcalculator.net/one-two-or-three-cards-how-many-your-spending-needs/</guid><description>Find the point where another card stops adding enough value, worked from your own spending plan. Most households need fewer cards than they think.</description><pubDate>Wed, 04 Nov 2026 00:00:00 GMT</pubDate><category>spending-plans</category></item><item><title>Paying Rent, Taxes and Big Bills by Card: When the Fee Beats the Reward</title><link>https://cardcalculator.net/paying-rent-taxes-and-big-bills-by-card-when-the-fee-beats-the-reward/</link><guid isPermaLink="true">https://cardcalculator.net/paying-rent-taxes-and-big-bills-by-card-when-the-fee-beats-the-reward/</guid><description>Compare a payment&apos;s processing fee with what the card earns, including the welcome-bonus case, with one fixed rule: never carry a balance.</description><pubDate>Wed, 04 Nov 2026 00:00:00 GMT</pubDate><category>card-rules</category></item><item><title>Rotating 5% Categories: Worth Tracking for Your Spend?</title><link>https://cardcalculator.net/rotating-5-percent-categories-worth-tracking-for-your-spend/</link><guid isPermaLink="true">https://cardcalculator.net/rotating-5-percent-categories-worth-tracking-for-your-spend/</guid><description>Activation, quarterly caps and changing categories: what a rotating 5% card really earns at your spending level, and when it isn&apos;t worth the effort.</description><pubDate>Wed, 04 Nov 2026 00:00:00 GMT</pubDate><category>spending-plans</category></item><item><title>Travel Purchases: Earning Most vs Being Protected Most</title><link>https://cardcalculator.net/travel-purchases-earning-most-vs-being-protected-most/</link><guid isPermaLink="true">https://cardcalculator.net/travel-purchases-earning-most-vs-being-protected-most/</guid><description>When you book travel, the card with the best earn rate may not be the one with the best protection. How to weigh trip delay, rental and baggage cover.</description><pubDate>Wed, 04 Nov 2026 00:00:00 GMT</pubDate><category>category-guides</category></item><item><title>Which Card for Groceries? Run Your Real Grocery Spend</title><link>https://cardcalculator.net/which-card-for-groceries-run-your-real-grocery-spend/</link><guid isPermaLink="true">https://cardcalculator.net/which-card-for-groceries-run-your-real-grocery-spend/</guid><description>Compare grocery earn rates against your actual grocery spend, annual caps included, and check which stores count as groceries before you rely on the bonus.</description><pubDate>Wed, 04 Nov 2026 00:00:00 GMT</pubDate><category>category-guides</category></item></channel></rss>